Mich. Comp. Laws » Michigan Compiled Laws / Chapter 500 / Act 218 of 1956
Michigan Compiled Laws

Mich. Comp. Laws § 500.3224 (2026)

Denial of coverage; notice of cancellation.

✓ current as of July 2026
Find cases: SyfertCases citing this section MI-LEGlegislature.mi.gov JustiaChapter on Justia CornellLII Search CasesGoogle Scholar

THE INSURANCE CODE OF 1956


Act 218 of 1956


500.3224 Denial of coverage; notice of cancellation.

Sec. 3224.

    (1)  The cancellation of a policy of insurance within the 55-day period enumerated in subdivision (a) of section 3220 shall not be subject to appeal by the insured. Failure to disclose the cancellation by any insured upon any application for insurance shall not be grounds to deny coverage on the basis of fraud by an insurer who may have accepted the risk thereafter.

    (2) For the provisions of this chapter only, no cancellation shall be effective unless a written notice of cancellation is mailed by certified mail, return receipt requested, to the insured at the last address known to the insurer either through its records, the personal records of the agent who wrote the policy, or as supplied by the insured.

    (3) The notice shall be mailed at least 20 days prior to the effective date of cancellation. For the purpose of this chapter only, delivery of such written notice by the insurer shall be the equivalent of mailing. The notice shall contain the reasons for the cancellation and shall state in bold type that the insured has the statutory right within 7 days from the date of mailing to appeal to the department. The commissioner shall approve the form of the cancellation notice.

History: Add. 1966, Act 342, Eff. Nov. 1, 1966

PopularName Notes:

Act 218
Notes of Decisions
Cited in 13 cases, 1975–2020 · leading case: Cunningham v. Citizens Ins. Co. of Am., 350 N.W.2d 283 (Mich. Ct. App. 1984).
Sort: Relevance Newest Treatment
Cunningham v. Citizens Ins. Co. of Am., 350 N.W.2d 283 (Mich. Ct. App. 1984). · cites it 12× “We do not agree that any provision in the no-fault act, MCL 500.3101 et seq.; MSA 24.13101 et seq.”
Lash v. Allstate Ins., 532 N.W.2d 869 (Mich. Ct. App. 1995). · cites it 3× “He contended that the cancellation was ineffective, however, because he had not been given twenty days’ notice of cancellation in accordance with MCL 500.3224; MSA 24.13224. The trial court denied Allstate’s motion, ruling that there was a question of material fact whether…”
Dorsey v. Michigan Mut. Liab. Co., 250 N.W.2d 143 (Mich. Ct. App. 1976). · cites it 3× “13204(1), 2 and MCLA 500.3224; MSA 24.13224. 3 Michigan Mutual argues that § 3224 when read in its entirety represents a legislative effort to treat cancellations subject to appeal, viz.”
Celina Mut. Ins. v. Falls, 249 N.W.2d 323 (Mich. Ct. App. 1976). · cites it 2× “The parties argue over whether the attempted cancellation complies with MCLA 500.3224; MSA 24.13224. That section is part of chapter 32 of the insurance code, Cancellation of Automobile Liability Policies, which was added by 1966 PA 342 .”
Depyper v. Safeco Ins., 591 N.W.2d 344 (Mich. Ct. App. 1998). “In contrast, the Legislature has specified that no cancellation shall be effective unless a written notice of cancellation is mailed by certified mail, return receipt requested, to the insured at the last address known to the insurer either through its records, the personal…”
Am. States Ins. v. Auto Club Ins., 484 N.W.2d 1 (Mich. Ct. App. 1992). “The first question we must resolve is which of two sections of the Insurance Code, § 3020 or § 3224, governs the method by which notice of cancellation to the Figels should have been given.”
Lewis v. Farmers Ins. Grp., 397 N.W.2d 297 (Mich. Ct. App. 1986). “12123, MCL 500.3224(2); MSA 24.13224(2). However, the notice requirements do not apply to cancellations due to nonpayment of premiums.”
Causin v. Auto Club Ins., 536 N.W.2d 247 (Mich. Ct. App. 1995). · cites it 2× “The insurer claimed the policy had been canceled and refused the insured’s request to defend her. Despite the insured’s admission that the notice was received, this Court concluded that the cancellation was ineffective because the applicable statute, MCL 500.”
Davis v. Cadillac Mut. Ins., 227 N.W.2d 275 (Mich. Ct. App. 1975). · cites it 2× “The trial court found that the cancellation was ineffective because the notice of cancellation was not sent by certified mail, return receipt requested, as required by MCLA 500.3224(2); MSA 24.13224(2). Judgment entered for plaintiff and defendant appealed to the circuit court,…”
Citizens Ins. Co. of Am. v. Crenshaw, 408 N.W.2d 100 (Mich. Ct. App. 1987). “13020 and MCL 500.3224; MSA 24.13224. The following facts are not in dispute.”
Rahannie Tackoor v. Duncan William Wheelock (Mich. Ct. App. 2020). · cites it 4× “Plaintiff argued that defendant failed to cancel the policy because it did not provide notice as required under MCL 500.3224, resulting in the policy on the vehicle being in force at the time of her accident.”
Koopman v. Logan, 286 N.W.2d 872 (Mich. Ct. App. 1979). “The certified mail requirement contained in MCL 500.3224; MSA 24.13224 is specifically made nonapplicable in cases such as this one, in which the cancellation is based on nonpayment of premiums, by MCL 500.”
Show all 13 citing cases →
— Mich. Comp. Laws § 500.3224(1) — 1 case
Dorsey v. Michigan Mut. Liab. Co., 250 N.W.2d 143 (Mich. Ct. App. 1976). “13204(1), 2 and MCLA 500.3224; MSA 24.13224. 3 Michigan Mutual argues that § 3224 when read in its entirety represents a legislative effort to treat cancellations subject to appeal, viz.”
— Mich. Comp. Laws § 500.3224(2) — 3 cases
Depyper v. Safeco Ins., 591 N.W.2d 344 (Mich. Ct. App. 1998). “In contrast, the Legislature has specified that no cancellation shall be effective unless a written notice of cancellation is mailed by certified mail, return receipt requested, to the insured at the last address known to the insurer either through its records, the personal…”
Lewis v. Farmers Ins. Grp., 397 N.W.2d 297 (Mich. Ct. App. 1986). “12123, MCL 500.3224(2); MSA 24.13224(2). However, the notice requirements do not apply to cancellations due to nonpayment of premiums.”
Davis v. Cadillac Mut. Ins., 227 N.W.2d 275 (Mich. Ct. App. 1975). “The trial court found that the cancellation was ineffective because the notice of cancellation was not sent by certified mail, return receipt requested, as required by MCLA 500.3224(2); MSA 24.13224(2). Judgment entered for plaintiff and defendant appealed to the circuit court,…”
— Mich. Comp. Laws § 500.3224(3) — 2 cases
Cunningham v. Citizens Ins. Co. of Am., 350 N.W.2d 283 (Mich. Ct. App. 1984). “We do not agree that any provision in the no-fault act, MCL 500.3101 et seq.; MSA 24.13101 et seq.”
Dorsey v. Michigan Mut. Liab. Co., 250 N.W.2d 143 (Mich. Ct. App. 1976). “13204(1), 2 and MCLA 500.3224; MSA 24.13224. 3 Michigan Mutual argues that § 3224 when read in its entirety represents a legislative effort to treat cancellations subject to appeal, viz.”
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.